USAA Credit Card

Been a customer of USAA since 1992 and have their credit card only. Last fall they reduced my credit limit from $23,000 to $500 due to my use of their card. It is the lack of using their card actually. Never late, never over the limit, never anything other than praise for this company until they reduced my credit limit. The only way I knew that they reduced my limit was due to the fact that I was trying to book airline tickets and that purchase was denied because it was more than my new undisclosed credit limit of only $500.

I hired Terminix. I advised them I would pay by check only. Somehow Terminix billed my USAA credit card. I immediately called them and they said I gave them the card. I did not. I then called customer service and inquired if Mr. ** received my complaint letter. Rachel was rude, nasty and unhelpful. I then received a call fro Luciana ** and after providing many articles (I asked her to google complaints against Terminix) that was not done. I received a letter stating that $489 was due Terminix. I mentioned the Fair Credit Practice Act and she said that did not apply in this case. I explained to he that The Law stated $60 max. I am filing a complaint with The House Oversight Committee. Luciana said Ii would owe the full amount. I specifically advised NOT to bill my Visa account and did not show them the card. There are a multitude of complaints about Terminix via Google.

My husband has a USAA Visa with a $16,500 limit, that he transferred over from a Chase Visa, based on the USAA hype that they care about the military and veterans. In the years he's had this card, he had maybe 2-4 late payments, only by a day or two, and no late payments for at least two years. I started handling our bill paying, and I started making payments over the minimum every month.

I have never in my life dealt with a company as horrible, cruel, and uncaring as USAA. I was with USAA for 14 years. During my time with them, I have had homeowner's insurance, auto insurance, and a credit card. At times, I have paid them $500.00 a month on my credit card when I was using it. My Account, until October of 2019, had always been in good standing. Well, in September of 2019, I was involved in an automobile accident. I got blamed for the accident for a reason I don't agree with, but that is beside the point. I called them to report the accident. The next day, they called me back and accused me of "fraud," stating that I was on an Uber ride, and it was "illegal" for me to submit a claim to them. I informed them I wasn't aware of that (which I wasn't at the time). Nevertheless, they denied the claim.

I applied for a credit card and they used my Experian credit score, which is a 690. Of course I got denied because of a computer. They don't understand that people have a credit history and have made mistakes. But when you have learned from those mistakes and have a high credit score, there's no second chance. 100% disappointed.

I have been using USAA for 19 years. Paying on time and more than the minimum. I have a credit score of 700 and never have missed any payments. My balance was at 49% credit ratio. They cut my limit for no reason and increased my ratio to 79% and the customer service person said they based that on my credit score, and they have the right to do that. I'm paying them off and will never use them again. I spoke to the office of the CEO, he didn't care either. Do not use USAA.

I received a credit card from USAA that I didn't remember applying for but it sounded like a very good deal. 0% interest for 20 months, 17% after that, and no annual fee. I used a couple of checks to transfer higher interest credit cards to it and charged a couple times at stores. All this worked perfectly. On Dec.30, I received an alert from my Experian credit report that someone had changed my address on my USAA account. I called them and changed it back. I asked them how it got changed and they told me it must have been for someone else's account. Two days later I get an alert from Experian again that I had a large balance change and that my credit score had dropped 77 points. My credit limit mind you, was $20,000. I had used about $3000. The balance said I owed $19,200.

Had a USAA credit card for 6 months now and have spent 4 different times trying to get the $250 cash reward for spending so much during the first 3 months. I have spent probably 4-5 hours trying to get the incentive. All the other credit card companies that I have dealt with on incentives it is done right away with no problems. I do not recommend their credit card.

USAA Credit Card Services posted a $7,000.00 payment when the check was clearly written for $2,000.00. When I called to correct the situation at 9:26 am, I was told to fax them a copy of the check which I did (9:30 am) and then they would look into the issue. That was after they wanted me to have my bank cover for their mistake. I called and spoke to 2 different people at 5:55 and was told there is a process and would take time with no indication of when the $5,000.00 would be replaced. Terrie (employee number **) only quoted policy and would send an email tomorrow to try and expedite, but there is a process. I am a 20+ year USAA member and moving my credit card business away. It was the non caring attitude and lack of action to correct the mistake quickly. A day and a half so far without correction. USAA should stick to insurance because the customer service in the banking and credit card business is terrible!

USAA held my $1800 refund payment hostage for over 30 days; completely unacceptable found out the hard way that USAA Bank does not care about its customers whatsoever. I pay my credit card online and when I scheduled a monthly payment, I am surprised when the record of my scheduled payment disappeared. No notation or reason online from USAA?? To make matters worse, USAA allowed me to schedule a NEW payment on the due date. So, I had 2 scheduled payments which both posted several days later causing my checking account to go negative. When I called USAA for help, they pretty much refused to take me seriously and just quoted policy after policy which only help USAA; and never cared to listen to my issue as a loyal customer and treated me like a “banking rule” not a customer.